The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$126,872
−HK$7,956/mo
▼ 0.25% · 3.875%
HK$130,818
−HK$4,010/mo
Today · 4.125%
HK$134,828
baseline
▲ 0.50% · 4.625%
HK$143,031
+HK$8,203/mo
Deposit HK$27.82M · loan HK$27.82M · min. income ≈ HK$269,656/mo (50% DSR)
Upfront cash ≈ HK$30.18M (deposit + AVD stamp duty HK$2,364,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,143
−HK$7,626/mo
▼ 0.25% · 3.875%
HK$144,929
−HK$3,840/mo
Today · 4.125%
HK$148,769
baseline
▲ 0.50% · 4.625%
HK$156,611
+HK$7,842/mo
Deposit HK$27.82M · loan HK$27.82M · min. income ≈ HK$297,538/mo (50% DSR)
Upfront cash ≈ HK$30.18M (deposit + AVD stamp duty HK$2,364,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,246
−HK$9,547/mo
▼ 0.25% · 3.875%
HK$156,982
−HK$4,811/mo
Today · 4.125%
HK$161,793
baseline
▲ 0.50% · 4.625%
HK$171,638
+HK$9,845/mo
Deposit HK$22.26M · loan HK$33.38M · min. income ≈ HK$323,586/mo (50% DSR)
Upfront cash ≈ HK$24.62M (deposit + AVD stamp duty HK$2,364,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,372
−HK$9,151/mo
▼ 0.25% · 3.875%
HK$173,914
−HK$4,609/mo
Today · 4.125%
HK$178,523
baseline
▲ 0.50% · 4.625%
HK$187,933
+HK$9,410/mo
Deposit HK$22.26M · loan HK$33.38M · min. income ≈ HK$357,046/mo (50% DSR)
Upfront cash ≈ HK$24.62M (deposit + AVD stamp duty HK$2,364,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,620
−HK$11,139/mo
▼ 0.25% · 3.875%
HK$183,145
−HK$5,614/mo
Today · 4.125%
HK$188,759
baseline
▲ 0.50% · 4.625%
HK$200,244
+HK$11,485/mo
Deposit HK$16.69M · loan HK$38.95M · min. income ≈ HK$377,518/mo (50% DSR)
Upfront cash ≈ HK$19.06M (deposit + AVD stamp duty HK$2,364,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,601
−HK$10,675/mo
▼ 0.25% · 3.875%
HK$202,900
−HK$5,376/mo
Today · 4.125%
HK$208,276
baseline
▲ 0.50% · 4.625%
HK$219,255
+HK$10,979/mo
Deposit HK$16.69M · loan HK$38.95M · min. income ≈ HK$416,552/mo (50% DSR)
Upfront cash ≈ HK$19.06M (deposit + AVD stamp duty HK$2,364,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$228,369
−HK$14,321/mo
▼ 0.25% · 3.875%
HK$235,472
−HK$7,218/mo
Today · 4.125%
HK$242,690
baseline
▲ 0.50% · 4.625%
HK$257,457
+HK$14,767/mo
Deposit HK$5.56M · loan HK$50.08M · min. income ≈ HK$485,380/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$2,364,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$254,058
−HK$13,726/mo
▼ 0.25% · 3.875%
HK$260,872
−HK$6,912/mo
Today · 4.125%
HK$267,784
baseline
▲ 0.50% · 4.625%
HK$281,899
+HK$14,115/mo
Deposit HK$5.56M · loan HK$50.08M · min. income ≈ HK$535,568/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$2,364,665 · Scale 2, in force from 26 Feb 2026)